If you want an actual human being to talk to, go with State Farm. The app is fine for basic stuff, but when you’re stressed after a crash, having a local office you can walk into is worth the extra few bucks.

The rates were great at first, but they’ve been creeping up every six months even though I have a perfect driving record. I called my agent and they said it was 'inflationary adjustments.' It feels like a loyalty tax after a while.

My agent is like a family friend. They really do look out for you, though they aren't always the cheapest.

I use their Steer Clear app for my teenager and it saved us about $40 a month. It’s a bit glitchy sometimes and thinks he’s speeding when he’s just on a bumpy road, but for the savings, we'll deal with it.

State Farm was reliable and professional. They explained everything clearly and offered competitive options.